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proposal that deal with dodd frank. is there a likelihood that as a result of this ross us -- of this process that we might see dodd frank reform? >> i am encourage. it is clear as a conservative republican, i have not been a fan of dodd frank although i certainly have a great amount of respect for its author, chairman frank, who is clearly one of the smarter people i have met which does not mean he is right or correct. you would have to ask my colleagues on the other side of the aisle -- i fear some have a more religious adherence to the brands then perhaps the named authors of the act have. when you look at what the regulators have done with qm, what is calm -- contemplated by qrm, i think that is unsustainable. i do not know how you could ultimately sustain a housing finance market if you cut the number of mortgages in half and doubled the price on the others. that clearly could be the outcome, perhaps the worst case scenario. i think there are a number of democrats in the house financial services committee although they are committed to the fundamentals of dodd frank,
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